$1.03M · 3+3 bed Detached · McLaughlin, Oshawa

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About this home

Welcome to 127 Gibbons - where modern design, spacious living, and income-earning potential come together in one exceptional property. This newer Holland Homes bungalow offers almost 3000 sqft of finished living space, making it one of the most impressive opportunities on the market for families, investors, and multi-generational living. Step inside to a bright, open-concept main level featuring 3 generous bedrooms, including a private primary suite with a 3-piece ensuite and walk-in closet. The…

Property details

MLS#

E13444398

Status

Buy Now

Beds

3+3

Baths

4 full, 0 half

Size

1500-2000

Style

Bungalow-Raised

Type

Detached

Year built

—

Roof: Shingles
Foundation: Poured Concrete
Property features: Hospital, Park, Public Transit, Rec./Commun.Centre, School

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Lot: 43.56 × 150.27
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Other
Fronting on: East
Cross street: Adelaide/Gibbons
Basement: Separate Entrance, Apartment
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Capability, Separate Heating Controls
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Great Room	4.5m × 4.99m
Main	Dining Room	2.74m × 4.47m
Main	Kitchen	2.77m × 4.47m
Main	Primary Bedroom	4.39m × 3.94m
Main	Bedroom 2	3.35m × 3.43m
Main	Bedroom 3	3.05m × 3.45m
Lower	Great Room	4.34m × 4.04m
Lower	Kitchen	3.38m × 3.91m
Lower	Dining Room	3.76m × 3.91m
Lower	Primary Bedroom	3.94m × 3.94m
Lower	Bedroom 2	3.48m × 3.05m
Lower	Bedroom 3	3.48m × 3.05m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,029,900✓ $8,156 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,804/mo

incl. closing costs (yr 1)

Annual total

$93,643

year 1

Mortgage only

$3,907/mo

principal + interest

Beyond mortgage

$2,015/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$205,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$680/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$10,299/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$17,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $46,885/yr

Property taxes27% $25,229/yr

Utilities5% $4,530/yr

Insurance & security2% $1,600/yr

Maintenance11% $10,299/yr

Closing costs5% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$46,885	$3,907/mo
Government & taxes
Property tax	$8,156	$680/mo
Land transfer tax(closing)	$17,073	$1,423/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$10,299	$858/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$93,643	$7,804/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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127 Gibbons Street

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Property details

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Rooms

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Annual costs